Ah! Bitcoin is very competitive in payments, but you can't have a decentralized currency that you self-custody and have it as frictionless as something where you let someone else figure it out, unless that someone else gives you pain (like with your card, but it can be worse.) But like I say I'm dumb sometimes; to me, the value proposition of Bitcoin hasn't really been mass adoption (though that doesn't mean it has to be niche) but more a systemic solution that makes it hard for some a-hole to decide one morning to mess you up (despite what is being said about Luke today - the drama is not a feature.)

As for the comparison with AI, I'd argue that sovereign AI is more like Bitcoin, but hosted AI is more like Visa. It's just a matter of time for OpenAI to be the new Facebook and screw people over, and only those that have (or know of) no alternative will ultimately stick on there, just like every time I'm like "wait why are you on FB?" when someone talks about it. But then again, I'm dumb sometimes.